Payday Alternative Loan
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Policy Brief
Earned Wage Access: A Financial Lifeline or the Next Credit Trap?
Earned Wage Access (EWA) has rapidly gained traction amidst the demand for short-term liquidity, but questions remain about the preservation of borrowers’ financial autonomy.
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Policy Brief
Safeguarding Access to Lending Services for Unbanked and Low-Income Americans
Last week, the Southwest Public Policy Institute joined Carrie Sheffield from the Independent Women’s Forum, Tirzah Duren from the American Consumer Institute, and Ann Petros from the National Association of Federally-Insured Credit Unions for the panel…
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White Paper No. 4
No Loan for You, Too!
The unintended consequences of price controls on consumer access to credit.